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Payday or Instalment Loan Payment Not Applied Correctly

Table output Has example

Write a letter about payments to a small loan that were not applied as agreed, showing a table of payments and the lender's balance.

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Write a letter about payments to a small loan that were not applied as agreed. Details I will supply: lender [LENDER_NAME], loan number [LOAN_NUMBER], payments made with dates and method [PAYMENTS_MADE], balance shown [BALANCE_SHOWN], balance I expect [BALANCE_EXPECTED], fees charged [FEES_CHARGED].

The draft must show a table of payments and the lender's balance and ask for an accounting. Build a table of every payment (date, amount, method, confirmation number) and the balance the lender shows after each one, then show the balance I calculate. Ask for a full account history from the start of the loan, the interest and fees applied, and the date each payment was credited. Ask for any fee caused by a late posting to be refunded. Include only facts I can document.

What to collect first: Bank statements, loan agreement, and the lender's statements. Reasonable asks: Corrected balance, refund of fees, and an itemised accounting. A typical reply: Lenders may say payments were late; reply by pointing to the dates.

Begin with a timeline table for the payday or instalment loan payment not applied correctly (date, what happened, proof), flag the gaps, and then keep every date in the letter consistent with it. Return the letter itself plus a 50-word cover note, and next an if-ignored ladder (ask the lender, then regulator), plus a proof checklist (statements, agreement, lender statements). Mail the letter by tracked or certified mail with a signature on delivery, then file the postal receipt with a copy of exactly what was sent.

Quote no statute or time limit from memory; work from [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] and nothing else, and remind me to check the law with a qualified adviser. Draft it as myself, not on anyone's behalf, without posing as counsel. Stay calm, plain and courteous, without exaggeration, set no cut-off other than [DEADLINE], and flag what I cannot prove. This is drafting help, not legal advice.

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Date | I paid | Confirmation | Lender shows after payment
5 Feb | 120.00 | 8830 | balance 880.00
5 Mar | 120.00 | 9210 | balance 790.00
5 Apr | 120.00 | 9902 | balance 790.00 (no change)
Expected after three payments of 120: 1,000 less 360 = 640 before interest. Interest per agreement is about 10.00 a month, giving about 670. The lender shows 790, a difference of 120, the April payment. Please apply the payment of 5 April and send a full account history with dates credited.

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